The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$50,108
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$51,667
−HK$1,583/mo
Today · 4.125%
HK$53,250
baseline
▲ 0.50% · 4.625%
HK$56,490
+HK$3,240/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$106,500/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$933,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,745
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$57,240
−HK$1,516/mo
Today · 4.125%
HK$58,756
baseline
▲ 0.50% · 4.625%
HK$61,854
+HK$3,098/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$117,512/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$933,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,130
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$62,000
−HK$1,900/mo
Today · 4.125%
HK$63,900
baseline
▲ 0.50% · 4.625%
HK$67,789
+HK$3,889/mo
Deposit HK$8.79M · loan HK$13.18M · min. income ≈ HK$127,800/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,894
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$68,688
−HK$1,820/mo
Today · 4.125%
HK$70,508
baseline
▲ 0.50% · 4.625%
HK$74,224
+HK$3,716/mo
Deposit HK$8.79M · loan HK$13.18M · min. income ≈ HK$141,016/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,151
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$72,333
−HK$2,217/mo
Today · 4.125%
HK$74,550
baseline
▲ 0.50% · 4.625%
HK$79,087
+HK$4,537/mo
Deposit HK$6.59M · loan HK$15.38M · min. income ≈ HK$149,100/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$933,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,043
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$80,136
−HK$2,123/mo
Today · 4.125%
HK$82,259
baseline
▲ 0.50% · 4.625%
HK$86,595
+HK$4,336/mo
Deposit HK$6.59M · loan HK$15.38M · min. income ≈ HK$164,518/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$933,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,195
−HK$5,656/mo
▼ 0.25% · 3.875%
HK$93,000
−HK$2,851/mo
Today · 4.125%
HK$95,851
baseline
▲ 0.50% · 4.625%
HK$101,683
+HK$5,832/mo
Deposit HK$2.20M · loan HK$19.78M · min. income ≈ HK$191,702/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,341
−HK$5,421/mo
▼ 0.25% · 3.875%
HK$103,032
−HK$2,730/mo
Today · 4.125%
HK$105,762
baseline
▲ 0.50% · 4.625%
HK$111,336
+HK$5,574/mo
Deposit HK$2.20M · loan HK$19.78M · min. income ≈ HK$211,524/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,928 · Scale 2, in force from 26 Feb 2026)